Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeComprehensive health insurance plan with individual/family options, annual aggregate deductible choices and optional covers.View source
The BOI page describes Health Recharge’s key features, deductible structures and optional covers.
- Source
- Health Recharge
- Page / section
- Key features / Product benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerNiva Bupa Health Insurance Company Limited; Bank of India distributes the product.View source
The official URL and page identify the Niva Bupa product family.
- Source
- Health Recharge
- Page / section
- Product identity
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / coverPublished options: ₹2 lakh, ₹3 lakh/
The Product Benefits table lists each sum-insured option.
- Source
- Health Recharge
- Page / section
- Product benefits — Sum Insured
- Accessed
- 30 Aug 2026
- Confidence
- high
Annual aggregate deductibleE-saver deductible options are ₹10,000, ₹25,000 or ₹50,000. Super top-up deductible options run from ₹1 lakh to ₹10 lakh in ₹1 lakh multiples.View source
The Product Benefits table publishes E-saver and Super top-up deductible choices.
- Source
- Health Recharge
- Page / section
- Product benefits — Annual Aggregate Deductible
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverageIn-patient care up to sum insured; room rent up to 1% of base sum insured per day; pre- and post-hospitalisation 60 and 90 days; day-care, alternative and domiciliary treatment; living-donor transplant; e-consultations; emergency ambulance up to ₹1,500 per event; pharmacy/
The page’s feature and benefit tables publish these limits and inclusions.
- Source
- Health Recharge
- Page / section
- Product benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Optional coversCritical-illness cover ₹1 lakh to ₹10 lakh in ₹1 lakh multiples; personal-accident cover options ₹1 lakh, ₹2 lakh and ₹5 lakh to ₹50 lakh in ₹5 lakh multiples; room-rent modification for a single private room when deductible exceeds ₹50,000.View source
The page lists critical-illness, personal-accident and room-rent modification options.
- Source
- Health Recharge
- Page / section
- Add-on Covers / Product benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termThe page publishes 7.5% and 15% discounts for second- and third-year premiums respectively, but does not state one universal policy-term range independent of the quotation.View source
The page states tenure discounts but no separate fixed-term schedule.
- Source
- Health Recharge
- Page / section
- Add-on Covers — Tenure discounts
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageNo numeric entry-age rule is published on the reviewed BOI page; confirm Niva Bupa’s age and underwriting rules for the selected variant.View source
The page publishes cover and deductible options but no entry-age threshold.
- Source
- Health Recharge
- Page / section
- Key features / Product benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium is quotation-specific and depends on sum insured, deductible, age, plan and optional covers; no universal premium amount is published.View source
The page publishes options and discounts but no single premium quote.
- Source
- Health Recharge
- Page / section
- Product benefits / Tenure discounts
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodNo general or condition-specific waiting-period number is published on the reviewed BOI page; consult the current Niva Bupa policy wording.View source
The summary lists benefits and deductibles but no waiting-period schedule.
- Source
- Health Recharge
- Page / section
- Key features / Product benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions list is not reproduced on the BOI summary; consult the Niva Bupa policy wording for exclusions, sub-limits and claim conditions.View source
The product summary does not include the complete exclusions schedule.
- Source
- Health Recharge
- Page / section
- Product benefits / Disclaimer
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsIn-patient care up to sum insured; room rent up to 1% of base sum insured per day; pre- and post-hospitalisation 60 and 90 days; day-care, alternative and domiciliary treatment; living-donor transplant; e-consultations; emergency ambulance up to ₹1,500 per event; pharmacy/
The manually reviewed product record states: “In-patient care up to sum insured; room rent up to 1% of base sum insured per day; pre- and post-hospitalisation 60 and 90 days; day-care, alternative and domiciliary treatment; living-donor transplant; e-consultations; emergency ambulance up to ₹1,500 per event; pharmacy/diagnostic services; mental-disorder, / and modern-treatment cover subject to sub-limits.”.
- Source
- Health Recharge — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹2 lakh–₹95 lakh sum-insured options
- ₹10,000–₹50,000 E-saver deductibles
- ₹1 lakh–₹10 lakh Super top-up deductibles
- 60/
90-day pre/ post cover - Optional PA and critical-illness cover
Eligibility
- Age and underwriting rules are variant-specific and not printed on the reviewed BOI summary.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal, identity/medical details and claim documents requested by Niva Bupa
Related official documents
Health Recharge — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
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